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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $18,325 | $60,349-69.6% | $74,184-75.3% | $62,881-70.9% |
| Participation rate | 59.4% | 72.7%-13.4pp | 76.6%-17.2pp | 69.3%-9.9pp |
| Annual return | 34.26% | 21.38%+12.9pp | 17.74%+16.5pp | 20.14%+14.1pp |
| Employer contribution / active EE | $3,028 | $1,680+80.2% | $2,370+27.7% | $2,281+32.7% |
| Participant deferral / active EE | $4,358 | $2,856+52.6% | $3,550+22.8% | $3,203+36.1% |
| Admin fee / account holder | $704 | $4,261-83.5% | $5,586-87.4% | $4,296-83.6% |